Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Smiling older couple visits a website on their smartphone.

Reverse Mortgage Process

​​​​Are you considering a reverse mortgage loan? M&T makes it easy and straightforward. Here's what you can expect.

Have Us Call You_



​​​We'll help you navigate the process, every step of the way.

Obtaining a reverse mortgage involves a number of steps, just like many other financial transactions. Below is an overview of the M&T reverse mortgage application process:

​Step 1: Initial Discussion

  • An M&T Reverse Mortgage Specialist will be happy to talk with you, either in person or over the phone, about how a reverse mortgage can enhance your current financial plan
  • You will learn how a reverse mortgage works and approximately how much money you may be eligible to receive, and you'll get answers to your questions
  • Friends or family members are welcome during these discussions, if that's your wish
  • Our goal is to help you make an educated decision as to whether a reverse mortgage is right for you – then you can decide whether you want to take the next step

​​​Step 2: Reverse Mortgage Counseling

  • Reverse mortgage counseling is required, and the counselor must be approved by the U.S. Department of Housing and Urban Development (HUD) – this is to ensure that you'll have an independent review of the program and its costs, and that all of your questions will be answered
  • You will learn more about any other government or nonprofit programs that you may qualify for
  • This counseling is a government safeguard to be sure you're getting all the facts in order to make an informed decision

​Step 3: Applying

Once counseling is complete, you can apply for your reverse mortgage with an M&T Reverse Mortgage Specialist, either in person or over the telephone. The specialist will ask you for a copy of the Counseling Certificate signed by the HUD-approved agency and a series of questions in order to complete the application for you. Once you sign it, you'll receive several loan disclosures.

​Step 4: Appraisal/Inspection

Once you apply, an appraisal will be ordered to determine the market value of your home. An appraisal fee will be collected at this time.

Step 5: Underwriting

After the appraisal and other supporting documents are received, an underwriter will then review your application to determine if you and the property qualify.

Step 6: Closing

The final step of the process is the mortgage closing. If you prefer, this can take place in the comfort of your home. Closing costs can be paid directly out of the reverse mortgage proceeds, or you may choose to use your own funds to pay them at closing.

Request more information or an estimate.

Contact us today to ask questions or have your initial discussion with us.

Call us.

Give us a call, and an M&T Reverse Mortgage Specialist can answer your questions – or we can arrange to meet at a location that is convenient for you.

Monday–Friday 8:30am–5:00pm ET

Have us call you.

Send your name and contact information, and an M&T Reverse Mortgage Specialist will get in touch.

​Submit Contact Request Form ›​DIS-162*-DIS​|DIS-208*-DIS